OP 'T HOF
ActiveThe computed 12-month bankruptcy probability of OP 'T HOF is 5.6% (elevated). The 2025 annual accounts show equity of €171k and a net result of €55k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 3668 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+13
Solvency59▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
5.6%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity ample (current ratio 1.69 against 1.13 in 2024; short-term debt: 33.1% and cash: 39% of total assets), but 66% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
34%
Return on assets
11%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
13 d early
2023
9 d early
2022
31 d late
2021
16 d early
2020
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€171k▲ 47.8%
2024 · €116k
2020: €43k
2021: €139k
2022: €165k
2023: €113k
2024: €116k
2020 → 2025
Total assets
€503k▲ 8.2%
2024 · €465k
2020: €212k
2021: €456k
2022: €486k
2023: €489k
2024: €465k
2020 → 2025
Net result
€55k▲ 1,792%
2024 · €3k
2020: €23k
2021: €96k
2022: €26k
2023: €-52k
2024: €3k
2020 → 2025
Working capital
€115k▲ 468%
2024 · €20k
2020: €-24k
2021: €15k
2022: €1k
2023: €-26k
2024: €20k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€165k▲ 18.5%€113k▼ 31.6%€116k▲ 2.6%€171k▲ 47.8%
Operating result€102k-€43k▼ 57.9%€-37k€43k€69k▲ 60.8%
Net result€96k-€26k▼ 73.2%€-52k€3k€55k▲ 1,792%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €503k
Fixed assets
€221k▼ 24.7%
Current assets
€281k▲ 64.7%
Equity and liabilities €503k
Equity
€171k▲ 47.8%
Debt
€332k▼ 5.0%
The debt ratio falls from 75.1% to 66.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€141k▲
2024 · €124k
Cash flow
€128k▲
2024 · €84k
Solvency
34.0%▲
2024 · 24.9%
Current ratio
1.69▲
2024 · 1.13
Quick ratio
1.28▲
2024 · 0.69
Debt / equity
1.94▼
2024 · 3.01
ROE
32.3%▲
2024 · 2.5%
ROA
11.0%▲
2024 · 0.6%
Interest coverage
11.95▲
2024 · 9.77
Debt
€332k▼
2024 · €349k
Debt ≤ 1 year
€166k▲
2024 · €151k
Debt > 1 year
€165k▼
2024 · €198k
Income taxes
€2k▲
2024 · €54
Staff costs
€292k▲
2024 · €267k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€465k€503k▲
Fixed assets21/28€294k€221k▼
Tangible fixed assets22/27€277k€204k▼
Land and buildings22€142k€117k▼
Plant, machinery and equipment23€124k€83k▼
Furniture and vehicles24€11k€4k▼
Financial fixed assets28€17k€18k▲
Current assets29/58€171k€281k▲
Stocks and contracts in progress3€67k€68k▲
Stocks30/36€67k€68k▲
Amounts receivable within one year40/41€7k€11k▲
Trade receivables40€372€1k▲
Other amounts receivable41€6k€10k▲
Cash at bank and in hand54/58€93k€196k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€465k€503k▲
Equity10/15€116k€171k▲
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Share premium1100/10€20k€20k=
Reserves13€145k€145k=
Non-distributable reserves130/1€20k€20k=
Reserves not available under the articles1311€20k€20k=
Distributable reserves133€125k€125k=
Profit (loss) carried forward14€-49k€6k▲
Amounts payable17/49€349k€332k▼
Amounts payable after more than one year17€198k€165k▼
Financial debts170/4€198k€165k▼
Amounts payable within one year42/48€151k€166k▲
Current portion of amounts payable after more than one year42€39k€33k▼
Trade debts44€18k€14k▼
Suppliers440/4€18k€14k▼
Advances received on contracts in progress46-€50
Taxes, remuneration and social security45€55k€79k▲
Taxes450/3€39k€38k▼
Remuneration and social security454/9€16k€41k▲
Other amounts payable47/48€39k€40k▲
Accrued charges and deferred income492/3€451-
Income statement
Code20242025
Remuneration, social security and pensions62€267k€292k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€73k▼
Other operating charges640/8€9k€3k▼
Non-recurring operating charges66A-€236
Gross operating margin9900€400k€436k▲
Operating profit (loss)9901€43k€69k▲
Financial income75/76B€3k€214▼
Recurring financial income75€3k€214▼
Financial charges65/66B€43k€12k▼
Recurring financial charges65€13k€12k▼
Non-recurring financial charges66B€30k-
Profit (loss) for the period before taxes9903€3k€57k▲
Income taxes67/77€54€2k▲
Profit (loss) for the period9904€3k€55k▲
Profit (loss) for the period to be appropriated9905€3k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-49k€6k▲
Profit (loss) brought forward from the previous period14P€-52k€-49k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €171k ▲47.8%
2 profitable years in a row build equity to €171k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-52k ▼302%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €165k ▲18.5%
3 profitable years in a row build equity to €165k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €96k ▲318%
Operating result €102k, net result €96k, both a record.
31-12
Financial
Equity above €100kEq €139k ▲224%
2 profitable years in a row build equity to €139k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Liedekerke · 4 establishment units since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vijfhoekstraat 491770 LiedekerkeGround area
5.0 ha
Building footprint
2.3 ha
Volume, LiDAR
98,285 m³
4 parcels, Flanders · tallest building 22.5 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
Op 't Hof
since 20192.289.592.948
In den Keizer
since 20202.307.969.894
REPOOS
since 20212.311.585.917
ROSALES
since 20222.334.554.428
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23722A0093/00M000 | Flanders | 2.5 ha | 1 · 1,156 m² | - |
| 41362B1603/00G000 | Flanders | 2.2 ha | 1 · 2.2 ha | 22.5 m · 1 fl. |
| 23762D1072/00M000 | Flanders | 2,451 m² | 1 · 147 m² | 13.1 m · 3 fl. |
| 41362B1038/00M000 | Flanders | 261 m² | 1 · 217 m² | 15.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
4 sitesLiedekerke2.289.592.948
Ninove2.307.969.894
Ninove2.311.585.917
Roosdaal2.334.554.428
Similar companies · same sector, comparable size
DANCO
BE 0429.477.693
Comblain-au-Pont · Eq €171k
EETKAFFEE POSEIDON
BE 0794.834.133
Oostende · Eq €171k
FRAME
BE 0452.938.431
Waimes · Eq €171k
BENBAUN
BE 1000.425.039
Antwerpen · Eq €171k
De Demoors
BE 0644.804.530
Nieuwpoort · Eq €171k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 8,845 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2019
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
46341Wholesale of wines and spirits
46349Wholesale of beverages, general range
47251Retail sale of wines and spirits
47252Retail sale of beverages, general range
56210Event catering
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.opthof.be
E-mail:welkom@opthof.be